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Neil Faulkner, 4thWay Head of Research

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Neil Faulkner is 4thWay CEO and Head of Research. He has this to say about himself:

“My background is diverse, including a long stint as a financial and investment journalist, and media spokesperson for investing website The Motley Fool. I quit to spend a year interviewing CEOs and other key people at P2P lending sites, and working alongside specialists at 4thWay from the fields of banking, lending and debt investments, in order to become one of the world’s leading experts on peer-to-peer lending, before the eventual launch of 4thWay five years ago.

“Since then, I have continued to hone my knowledge through thousands of hours of research and interviews, and by leading a very much data-led organisation, with talented and experienced colleagues from a range of useful backgrounds.

“I believe I am the most quoted independent commentator on the industry in the UK’s national media, and I am consulted by the FCA, financial advisor groups and industry CEOs on important industry topics.”

What We Learned From Kuflink’s First Profitable Accounts

Kuflink* has just reported its first ever profit of about £400,000, off the back of real earnings of about £3 million, for 2021. This is the first profit for the group since it launched its P2P lending arm, after results previously improved from a £3 million loss in 2019 to a loss of just £100,000… Read more

Stock Market Superbubble Suggests Investors Shift More To P2P Lending

Jeremy Grantham of GMO is making the case for investors putting more into “specialized” lending and less into shares today, because we’re currently in superbubble territory. While he’s most concerned about the US stock market, he’s also worried about stock markets in general, especially in many developed markets. GMO is reducing its share holdings GMO… Read more

Look Outside P2P Lending: Investing In Shares

Recently, for a friend, I returned to my old stomping grounds of share investing to look at the best options for her. I was interested to know how these had changed since I last assessed them in great detail, which would have been early in 2014. Share investing in parallel with P2P lending is an… Read more

The Real Reason Zopa Is Closing Its P2P Arm

Zopa has closed its P2P arm to focus on its bank. Zopa wrote to its customers: “Sadly, over the last few years, customer trust in P2P investing has been damaged by a small number of businesses whose approach led to material losses for customers investing in those platforms. Linked to this, the changing regulation in… Read more

Zopa Review – An Analyst’s Review Of Zopa For Investors

This is an analytical Zopa review for lenders (otherwise known as investors). You can also visit our peer-to-peer lending comparison tables or IFISA tables to see how Zopa compares. 4thWay’s Zopa Review Still want to read the Zopa Review? We’re keeping the last version of the Zopa Review alive below for a while, in case… Read more

Proplend Launches New Lending – Effectively To The Government

Visit Proplend* has only ever introduced one new type of loan in its seven-year history. Everything it has done over the years shows that it prioritises quality lending that it understands above rapidly growing its own business. For just the second time, it’s just introduced a new type of lending: VAT loans. I interviewed both… Read more

Proplend Review

This is a Proplend review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Proplend Review Fantastically good property security, usually backed up by steady rent, and excellent returns for lenders. Proplend Review: their best-rated product This account has been paying interest after bad debts. Read about the… Read more

Crowd2Fund Review

Here’s the Crowd2Fund Review from one of our specialists. 4thWay’s Quick Expert Crowd2Fund Review Good to see small business lending where lenders can choose their own loans, but it needs to provide more information to offset its inexperienced team. What is Crowd2Fund? Crowd2Fund* does small business peer-to-peer lending. When did Crowd2Fund start? Crowd2Fund* started peer-to-peer… Read more

In Search Of Contradictory Information

In assessing lending risks, it’s useful when you uncover contradictory information on a P2P lending company. So, today, I’m going to list a variety of very typical contradictions that we see, using real-life examples. I’ll help you learn how to spot them and give you some ideas on what to do with that information. About… Read more

The Impact Of Inflation On P2P Lending Results

The UK annual inflation rate has risen to 3%, after dropping below the 20-year average of 2% (or, rather, 1.999%) for 21 months in a row up to April 2021. With many countries have recently seen rising inflation, and with nearby Germany recently reporting a 4.1% annual increase in prices, I thought now was a… Read more

Today’s average interest rates

What is the “4thWay”?

There's the savings way, the property way, the stock-market way, and now there's the peer-to-peer lending way. The 4thWay® to save and invest.
Learn more.

What does 4thWay do?

We help people save and make more money, more safely when they cut out the banks and lend directly to other people and to businesses.

Why use 4thWay?

4thWay® is shaped by investors, bank risk modellers and a senior debt specialist, and we're governed by our users to ensure our comparison services and research are trustworthy and complete.

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

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Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Orchard’s interest rates different?

Orchard’s lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Orchard’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×
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